Home Warranty Companies in Texas
2026 State Guide
Our data lists 10 of the 15 companies we track as serving Texas. AFC Home Club ranks first among them at 8.2 out of 10. Texas has warmed by almost 1.5 degrees F since the start of the 20th century, and the summary projects more extreme heat and more intense droughts.
Companies Available
10
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
Texas Department of Licensing and Regulation
Home-specific rules
Texas State Snapshot
Housing units
12,395,364
Owner-occupied rate
62.6% (US 65%)
Median home value
$260,400
Primary HVAC risk
Cooling (our reading)
Companies listed
10 of 15 tracked
Regulatory body
Texas Department of Licensing and Regulation
62.6% of Texas homes are owner-occupied, below the 65% national rate, and the median owner-occupied home is worth $260,400, 14% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Texas. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Texas's largest city, Houston, 42.1% of homes are owner-occupied and the median owner-occupied home is worth $277,800.
Source: Census Bureau QuickFacts for Houston, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Texas's climate puts cooling under strain, in our reading
Texas has warmed by almost 1.5 degrees F since the start of the 20th century, and the summary projects more extreme heat and more intense droughts. Precipitation differs sharply from east to west, because the Gulf of Mexico supplies moisture mainly to the eastern part of the state.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for Texas (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Texas estimate. 10 of 15 tracked companies serve Texas in our data; "Likely" and "Check" rows are not verified for Texas.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | TX |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Check |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Texas
Highest overall score among companies that serve Texas, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Texas
Check availability: Old Republic Home Protection, HSA Home Warranty, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Texas. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Texas Regulates Home Warranties
Regulator
Texas Department of Licensing and Regulation (TDLR)
Legal framework
Service contract providers under Occupations Code Chapter 1304
Texas regulates residential service contracts through the Texas Department of Licensing and Regulation. TDLR's 2024 rulemaking notice says House Bill 1560 (2021) repealed the former Residential Service Company Act (Occupations Code Chapter 1303) and amended Chapter 1304 to include residential service contracts. Older legislative analyses describe the structure: a provider must register with TDLR, pay annual fees and show financial security. Those analyses predate the 2021 change, so confirm current requirements with TDLR before relying on them.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Texas Homeowners
Check the company's registration or license
Our sources show rules in Texas that name home warranties, home service contracts or residential contracts. Ask the Texas Department of Licensing and Regulation whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Know the cancellation and refund rules
Texas law lets you cancel in the first 30 days for the full price less claims paid, with no cancellation fee. After that the provider refunds the unused portion less claims paid and may keep a fee of up to $50, and a refund not paid by the 46th day after the provider receives your notice carries a penalty of 10 percent per month. Details
Confirm coverage for your address
5 companies in our data serve only some states and are marked "check availability" for Texas. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Texas
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Texas's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Texas Attorney General: file a consumer complaint
The Consumer Protection Division says a confirmation email does not mean an investigation has opened. It does not resolve individual complaints, and complaints are generally open to the public.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Texas
Which home warranty companies serve Texas?
What is the best home warranty company in Texas?
Which home warranty plan has the highest HVAC coverage in Texas?
How much does a home warranty cost in Texas?
How does Texas's climate affect which plan to buy?
Where do I file a home warranty complaint in Texas?
How are home warranties regulated in Texas?
City Guides in Texas
Neighboring States
Compare All Texas-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Texas, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.